How It Works
Enter Your Basic Driver Details
Get matched with carriers licensed to write FR-44 policies in Florida or Virginia
Choose your coverage, and your insurer files the FR-44 certificate directly with your state DMV
Coverage Options
Understanding your coverage options helps you build a policy that protects what matters — without paying for what you don’t need.
FR-44 Insurance
Required in Florida and Virginia after certain DUI/DWI convictions to reinstate driving privileges. Florida mandates 100/300/50 liability limits while Virginia requires 50/100/40 — both significantly higher than standard state minimums.
Non-Owner FR-44
Provides FR-44 liability coverage for drivers who do not own or regularly operate a vehicle but need license reinstatement. Premiums typically range 30-50% lower than standard FR-44 policies because no vehicle is insured.
Liability Insurance
Covers bodily injury and property damage you cause to others in an accident. FR-44 policies require liability limits of 100/300/50 in Florida and 50/100/40 in Virginia, compared to 10/20/10 standard minimums in Florida.
SR-22 Insurance
Certificate of financial responsibility required in 49 states for high-risk drivers, but not accepted in Florida or Virginia. These two states require the more stringent FR-44 filing instead for DUI/DWI offenses.
Uninsured Motorist Coverage
Protects you when hit by a driver with no insurance or insufficient coverage. Required in Virginia as part of all auto policies including FR-44, while Florida offers it as optional coverage.
